What happens when PIP is exhausted?
You will get a letter from your insurance company telling you that they have paid the limits of their insurance coverage and that you will be responsible for all your medical expenses from that point on. If you are fortunate enough to have other medical insurance they will have to start paying your medical bills according to the terms of you policy. What if I have no other insurance – can I still get medical treatment? This is becoming more common. Some medical providers will allow you to continue to treat as long as they receive a “Letter of Protection” or “LOP” from an attorney that is handling your case. This letter obligates that attorney to notify the doctor of any settlement and pay him for his services out of settlement or judgment proceeds. Typically, the attorney can reduce the amount of medical bill by having the doctor agree to a compromise settlement figure which reduces the amount that you have to pay. Does “No Fault” mean that I can not recover more than $10,000.00 for my
